Just as getting insurance is important, Uber insurance coverage for passengers is also important. It can be difficult most times to compensate injured passengers out of pocket. Getting insurance coverage for them makes compensation easier. But does Uber insurance cover passengers, though?
Under Uber insurance, some coverage secures passengers in times of unexpected occurrences. Uber insurance is taken out to protect the vehicle, its driver, and its passengers. However, whether your Uber insurance covers passengers depends on your policy. Uber holds commercial car insurance to cover their passengers in times of unavoidable occurrences, irrespective of who is at fault. Insights on whether Uber insurance covers passengers will be explored in this write-up.
How Does Uber Insurance Cover Passengers?
Immediately after you log into the Uber app, you automatically get covered by the Uber insurance policies for passengers. Uber insurance is different from your insurance; do not replace your insurance with it. This insurance coverage covers only liability claims. However, if you do not have personal insurance, some Uber policies may not cover you.
Collision and comprehensive coverage are added to the Uber insurance policies, but it is only sustainable if the driver has the same coverage on their car insurance policy. If your car gets damaged during an Uber trip, damages won’t be covered if you do not have auto insurance.
What is Covered by Uber Insurance Policies?
Uber Insurance has a commercial hold on insurance policies that protect drivers and passengers in the event of an accident. This insurance coverage is different depending on the stage of the ride and the status of the driver. To know if Uber insurance covers passengers, below are three occurrences Uber insurance covers.
Inability to Accept a Ride Request While the App is Active:
Cases like this may be due to the occurrence of an accident causing no driver to be available. In this case, this Uber insurance policy offers third-party liability coverage if the personal insurance of the driver involved is insufficient or if it doesn’t cover occurrences like this. This coverage covers the payments for bodily-related injuries and property damage to the persons involved in the accident.
When a ride request has been accepted and the driver is on the way:
Chances are that no accident will likely occur to a waiting passenger, but in a situation where another driver causes an accident while your Uber driver is yet to arrive, this Uber insurance policy offers coverage. However, if you get injured due to the accident, you may be eligible for uninsured motorist coverage or underinsured motorist coverage. This policy will provide third-party liability coverage, collision and comprehensive coverage, and uninsured motorist bodily-related injury coverage.
Uber Passenger:
This is the highest of all the Uber insurance coverage. Immediately after the passenger gets into the car and the trip begins, this insurance coverage is put in place in case of any occurrence. Uber insurance coverage renders third-party liability coverage, unforeseen collision and comprehensive coverage, and uninsured or underinsured motorist bodily injury coverage. Unfortunately, a passenger can only be covered if an accident occurs during the trip.
Does Uber Insurance Cover Passengers?
Yes, Uber insurance policies cover passengers in different situations. If you are injured after an accident while on a trip in an Uber, it is advisable to get in touch with an experienced personal injury attorney who is knowledgeable about complete insurance occurrences.
They will guide you through the coverages that will cover you along with the claim process. Getting knowledgeable about the different Uber insurance coverage options will surely get you the compensation you need.
How do you Maximize your Compensation After an Uber Accident?
Maximizing your compensation after an accident during an Uber trip can help in times when the injuries the passenger sustains are critical. To maximize the compensation you are given after the occurrence of an accident, you will need to carefully follow the below steps.
- Request for rapid medical attention to detect and treat your injuries.
- Keep track of every scene of the accident, including injuries, photographs of the damaged vehicle, and road condition.
- Get information from eyewitnesses to the accident.
- Report the accident to your insurer and the Uber company.
- Contact a well-learned attorney who will put you through the claim process.
You are sure to get the compensation you need to cover lost wages, medical bills, pain and suffering, and any other accident-related issues.